Ter Loke
ActiveTer Loke has been active since 1955 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €16.74M and a net result of €630k. Equity is growing by ~10.2% per year across the filed fiscal years. Its solvency ranks better than 92% of 460 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
94
/ 100
Excellent▼ -6 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▼-5
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity ample (current ratio 2.11 against 2.19 in 2024), and 16.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 87
Relative position
BE, all sectors
reference
Sector 87
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
83.1%
Return on assets
3.1%
Age of the figures
8 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 01-06-2026, 60 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
60 d early
2024
65 d early
2023
63 d early
2022
60 d early
2021
59 d early
2020
53 d early
2019
45 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
07-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€460k▲ 2.7%
2024 · €448k
2018: €321k
2019: €329k
2020: €339k
2021: €407k
2022: €425k
2023: €437k
2024: €448k
2018 → 2025
EBIT margin
127.2%▼ 102.3pp
2024 · 229.5%
2018: 58.9%
2019: 63.8%
2020: 237.9%
2021: 174.5%
2022: 156.2%
2023: 174.1%
2024: 229.5%
2018 → 2025
Net result
€630k▼ 41.3%
2024 · €1.07M
2018: €1.18M
2019: €1.46M
2020: €2.11M
2021: €676k
2022: €638k
2023: €768k
2024: €1.07M
2018 → 2025
Working capital
€3.06M▼ 3.9%
2024 · €3.18M
2018: €2.22M
2019: €3.03M
2020: €3.90M
2021: €3.99M
2022: €5.43M
2023: €1.90M
2024: €3.18M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€407k-€425k▲ 4.3%€437k▲ 2.9%€448k▲ 2.5%€460k▲ 2.7%
Equity€10.61M-€14.58M▲ 37.5%€15.51M▲ 6.4%€16.36M▲ 5.5%€16.74M▲ 2.3%
Operating result€710k-€663k▼ 6.7%€761k▲ 14.7%€1.03M▲ 35.1%€585k▼ 43.1%
Net result€676k-€638k▼ 5.6%€768k▲ 20.5%€1.07M▲ 39.9%€630k▼ 41.3%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 43% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €20.15M
Fixed assets
€14.34M▲ 3.2%
Current assets
€5.81M▼ 0.8%
Equity and liabilities €20.15M
Equity
€16.74M▲ 2.3%
Provisions
€120k▼ 4.0%
Debt
€3.29M▲ 0.9%
The debt ratio falls from 16.5% to 16.3%: equity grows faster than debt.
Key figures and ratios
EBITDA
€1.16M▼
2024 · €1.60M
Cash flow
€1.20M▼
2024 · €1.65M
Solvency
83.1%▲
2024 · 82.8%
Current ratio
2.11▼
2024 · 2.19
Quick ratio
2.11▼
2024 · 2.19
Debt / equity
0.20▼
2024 · 0.20
ROE
3.8%▼
2024 · 6.6%
ROA
3.1%▼
2024 · 5.4%
Interest coverage
46.34▲
2024 · 36.90
Debt
€3.29M▲
2024 · €3.26M
Debt ≤ 1 year
€2.75M▲
2024 · €2.67M
Debt > 1 year
€462k▼
2024 · €574k
Staff costs
€12.77M▲
2024 · €12.16M
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€19.75M€20.15M▲
Fixed assets21/28€13.90M€14.34M▲
Tangible fixed assets22/27€13.90M€14.34M▲
Land and buildings22€13.14M€13.56M▲
Plant, machinery and equipment23€403k€404k▲
Furniture and vehicles24€287k€256k▼
Assets under construction and advance payments27€62k€118k▲
Financial fixed assets28€812€604▼
Other financial fixed assets284/8€812€604▼
Amounts receivable and cash guarantees285/8€812€604▼
Current assets29/58€5.85M€5.81M▼
Amounts receivable after more than one year29€125k€42k▼
Other amounts receivable291€125k€42k▼
Amounts receivable within one year40/41€2.01M€2.05M▲
Trade receivables40€45k€71k▲
Other amounts receivable41€1.96M€1.98M▲
Current investments50/53€1.45M€2.20M▲
Cash at bank and in hand54/58€2.15M€1.11M▼
Deferred charges and accrued income490/1€122k€407k▲
Equity and liabilities
Total equity and liabilities10/49€19.75M€20.15M▲
Equity10/15€16.36M€16.74M▲
Contributions10/11€2.25M€2.25M=
Capital10€2.25M€2.25M=
Reserves13€6.28M€6.87M▲
Profit (loss) carried forward14€1.20M€1.24M▲
Investment grants15€6.64M€6.38M▼
Provisions and deferred taxes16€125k€120k▼
Provisions for liabilities and charges160/5€125k€120k▼
Major repairs and maintenance162€125k€120k▼
Amounts payable17/49€3.26M€3.29M▲
Amounts payable after more than one year17€574k€462k▼
Financial debts170/4€567k€446k▼
Credit institutions173€567k€446k▼
Other amounts payable178/9€7k€16k▲
Amounts payable within one year42/48€2.67M€2.75M▲
Current portion of amounts payable after more than one year42€116k€121k▲
Financial debts43-€38k
Credit institutions430/8-€38k
Trade debts44€95k€102k▲
Suppliers440/4€95k€102k▲
Taxes, remuneration and social security45€2.40M€2.46M▲
Taxes450/3€524k€531k▲
Remuneration and social security454/9€1.87M€1.93M▲
Accrued charges and deferred income492/3€17k€81k▲
Income statement
Code20242025
Operating income70/76A€15.12M€15.36M▲
Turnover70€448k€460k▲
Other operating income74€150k€349k▲
Non-recurring operating income76A€514k€3k▼
Operating charges60/66A€14.09M€14.77M▲
Goods for resale, raw materials and consumables60€348k€364k▲
Purchases600/8€348k€364k▲
Services and other goods61€956k€1.02M▲
Remuneration, social security and pensions62€12.16M€12.77M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€572k€572k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€127€6k▲
Other operating charges640/8€49k€44k▼
Non-recurring operating charges66A€2k€944▼
Operating profit (loss)9901€1.03M€585k▼
Financial income75/76B€92k€73k▼
Recurring financial income75€92k€73k▼
Income from current assets751€74k€57k▼
Other financial income752/9€19k€15k▼
Non-recurring financial income76B€6€111▲
Financial charges65/66B€45k€27k▼
Recurring financial charges65€45k€27k▼
Debt charges650€43k€25k▼
Other financial charges652/9€2k€2k▼
Profit (loss) for the period before taxes9903€1.07M€630k▼
Profit (loss) for the period9904€1.07M€630k▼
Profit (loss) for the period to be appropriated9905€1.07M€630k▼
Appropriation of the result
Profit (loss) to be appropriated9906€2.23M€1.83M▼
Profit (loss) brought forward from the previous period14P€1.16M€1.20M▲
From contributions791€40k€40k=
To contributions691€1.07M€630k▼
Social balance
Average headcount (FTE)9087171.9174.2▲
The notes to these accounts (61 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
01-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €630k ▼41.3%
Net result drops to €630k, the lowest in the series.
27-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
29-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
01-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
02-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
08-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2018net €2.11M ▲44.3%
Net result €2.11M, the highest in the series.
31-12
Financial
Equity above €10MEq €10.02M ▲7.8%
3 profitable years in a row build equity to €10.02M.
14-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 45 days late
2019
19-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
16-05
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
22-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
27 directors, no change since 2025
Edwin Schenck
CurrentDirector · since 10-06-2025
Linda Stijnen
CurrentDirector · since 19-06-2023
Ria Van Nyen
CurrentDirector · since 19-06-2023
Bruyninckx Guy
CurrentDirector · since 12-10-2020
De Ceuster Griet
CurrentDirector · since 12-10-2020
Lucas Huybrechts
CurrentVice-chair · since 12-10-2020
+ 12 not shown in this overview
10-06-2025
Edwin Schenck: Appointed as Director
10-06-2025
Roefs Chris: Resigned as Director
14-06-2024
Roefs Chris: Appointed as Director
19-06-2023
Linda Stijnen: Appointed as Director
19-06-2023
Ria Van Nyen: Appointed as Director
19-06-2023
Verheyen Kelly: Resigned as Director
19-06-2023
Rudi Van den Bergh: Appointed as Director
19-06-2023
Hilde Gaublomme: Appointed as Director
19-06-2023
Michel Vande Voorde: Appointed as Director
23-06-2021
Lucas Huybrechts: Appointed as Vice-chair
23-06-2021
Hilde Gaublomme: Appointed as Chair
23-06-2021
Peter Bellens: Resigned as Chair
12-10-2020
Bruyninckx Guy: Appointed as Director
12-10-2020
De Ceuster Griet: Appointed as Director
12-10-2020
Lucas Huybrechts: Appointed as Director
12-10-2020
Michielsen Frans: Appointed as Director
12-10-2020
Roefs Chris: Appointed as Director
12-10-2020
Van Den Plas Raf: Appointed as Director
12-10-2020
Verheyen Kelly: Appointed as Director
12-10-2020
Dries Stanny: Resigned as Director
12-10-2020
Geerts Frans: Resigned as Director
12-10-2020
Gielis André: Resigned as Director
08-07-2019
Bellens Peeters: Appointed as Director
08-07-2019
Lex Vorsselmans: Appointed as Director
+ 17 not shown in this overview
Location & real-estate footprint
Registered office, Vosselaar · 14 establishment units since 1955
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Heilanders 112350 VosselaarGround area
5.8 ha
Building footprint
6,187 m²
Volume, LiDAR
29,087 m³
12 parcels, Flanders · tallest building 21.4 m, ±3 floors. Linked by address, not a title deed.
14 establishment units
BJB Ter Loke Het Klavier DNV
since 19552.138.251.172
BJB Ter Loke De Stek
since 19552.138.251.271
BJB Ter Loke Het Klavier VL + DB
since 19552.138.251.469
Ter Loke - de Centrale
since 19552.138.251.964
OPB Ter Loke De Berken
since 19552.138.252.063
“CIG de Merode”
since 19552.138.252.360
Show 8 more locations
“CIG de Merode MGW”
since 19552.138.252.459
BJB Ter Loke De Want
since 20112.199.696.912
OPB Ter Loke De Loot
since 20202.309.726.089
Ter Loke Vierwinden
since 20202.309.720.844
Ter Loke Vierwinden Jeugdverblijf
since 20202.349.609.818
OPB Ter Loke De Pluk
since 20222.327.568.151
BJB Ter Loke De Kering
since 20232.349.610.808
CIG De Merode doorgangshuis
since 20232.351.338.495
12 parcels
Flanders
12
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11032B0225/00X002 | Flanders | 3.5 ha | 1 · 630 m² | 9.1 m · 1 fl. |
| 13017E0002/00M010 | Flanders | 7,433 m² | 1 · 1,502 m² | 21.4 m · 1 fl. |
| 13046C0326/00B000 | Flanders | 5,589 m² | 1 · 949 m² | 8.3 m · 1 fl. |
| 11032B0209/00K000 | Flanders | 2,418 m² | 1 · 293 m² | 10.2 m · 2 fl. |
| 13018C0267/00Y000 | Flanders | 1,623 m² | 1 · 1,167 m² | 11.8 m · 2 fl. |
| 13040B0931/00K002 | Flanders | 1,336 m² | 1 · 340 m² | 9.9 m · 1 fl. |
| 13040B0925/00W000 | Flanders | 1,176 m² | 1 · 369 m² | 16.6 m · 2 fl. |
| 13046C0040/00G000 | Flanders | 1,016 m² | 1 · 151 m² | 10.1 m · 2 fl. |
| 11032B0221/00L000 | Flanders | 1,004 m² | 1 · 245 m² | 8.0 m · 1 fl. |
| 13040C1001/00S004 | Flanders | 485 m² | 1 · 124 m² | 11.1 m · 2 fl. |
| 13453O0164/00V000 | Flanders | 407 m² | 1 · 295 m² | 9.5 m · 3 fl. |
| 13046C0015/00G005 | Flanders | 368 m² | 1 · 121 m² | 10.8 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 11
12 of 12 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Statutory auditor
3 auditors| Evi NeyensCurrent Commissaris revisor | 12-10-2020 → present |
Show 2 earlier auditors
| Dolf De Backer Commissaris revisor succeeded by Evi Neyens van BVBA Vyvey&Co in 2017 | 08-06-2011 → 26-06-2017 |
| Evi Neyens van BVBA Vyvey&Co Commissarisrevisor succeeded by Evi Neyens in 2020 | 26-06-2017 → 12-10-2020 |
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Of 228 companies in sector 87991 we hold annual accounts for 209. 74 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formNon-profit association
Founded16-04-1955
Fiscal year end31-12
Activities, NACEBEL
85313
87991Residential care activities
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 07-09-2026. Scores and ratios are computed by Checked and are not a credit decision.